Core Responsibilities
Client Relationship Management: Serve as the trusted advisor, handle day-to-day inquiries, resolve account issues, and conduct regular reviews of client financial health.
Business Development & Acquisition: Pitch bank products to prospective and existing clients to expand the bank's portfolio.
Cross-Selling & Revenue Generation: Promote loans, working capital, trade finance, credit cards, insurance, mutual funds, and treasury services to meet sales and fee-income targets.
Financial Advisory: Assess client goals, risk tolerance, and investment needs to offer customized wealth or commercial solutions.
Risk & Compliance: Monitor account creditworthiness, ensure KYC compliance, and minimize non-performing assets (NPAs) by tracking financial covenants.
Internal Coordination: Collaborate with credit, operations, and product teams to process requests and structure customized deals.
Experience: Typically ranges from 2 to 5+ years in banking, sales, customer service, or credit analysis (with entry-level or assistant RM roles available for fresh graduates).